Analysis
A $27,000 debt load paired with first-year earnings around $42,000 sounds reasonable on paper—that 0.64 debt-to-earnings ratio is well within manageable territory. But here's what matters for Amherst: these figures are pulled from medians across other Massachusetts biology programs, and given this college's 10% admission rate and 1494 average SAT, its graduates likely outperform these estimates significantly. The challenge is we simply don't know by how much because the DOE suppresses the actual data when graduate cohorts are small.
What we do know is instructive. Top biology programs in Massachusetts are producing first-year earnings in the $46,000-$52,000 range—substantially above the state median used for this estimate. Amherst's academic selectivity and network typically command similar or better outcomes. The debt estimate, drawn from comparable private colleges in Massachusetts, is probably more reliable since institutional aid packages tend to cluster by school type.
The real question isn't whether Amherst biology graduates do better than the $42,000 estimate suggests—they almost certainly do. It's whether the premium justifies the investment when stronger public options like UMass-Lowell are producing $46,500+ outcomes, likely with less debt. For families paying full freight at Amherst, the long-term value lies in the institution's broader advantages, not the biology major itself.
Where Amherst College Stands
Earnings vs. debt across all biology bachelors's programs nationally
Compare to Similar Programs in Massachusetts
Biology bachelors's programs at peer institutions in Massachusetts (49 total in state)
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| School | In-State Tuition | Earnings (1yr)* | Earnings (4yr) | Median Debt* | Debt/Earnings |
|---|---|---|---|---|---|
| $67,280 | $41,879* | — | $27,000* | — | |
| $59,070 | $51,711* | $71,939 | $26,999* | 0.52 | |
| $46,220 | $46,736* | — | $27,000* | 0.58 | |
| $16,570 | $46,526* | $66,988 | $26,747* | 0.57 | |
| $54,500 | $46,088* | $58,080 | $27,000* | 0.59 | |
| $11,978 | $45,670* | $59,961 | $27,000* | 0.59 | |
| National Median | — | $32,316* | — | $25,000* | 0.77 |
Career Paths
Occupations commonly associated with biology graduates
Natural Sciences Managers
Clinical Research Coordinators
Water Resource Specialists
Medical Scientists, Except Epidemiologists
Biological Science Teachers, Postsecondary
Forensic Science Technicians
Secondary School Teachers, Except Special and Career/Technical Education
Biological Technicians
Agricultural Technicians
Precision Agriculture Technicians
Food Science Technicians
Biological Scientists, All Other
About This Data
Source: U.S. Department of Education College Scorecard (October 2025 release)
Population: Graduates who received federal financial aid (Title IV grants or loans). At Amherst College, approximately 22% of students receive Pell grants. Students who did not receive federal aid are not included in these figures.
Earnings: Median earnings from IRS W-2 data for graduates who are employed and not enrolled in further education, measured 1 year after completion. Earnings are pre-tax and include wages, salaries, and self-employment income.
Debt: Median cumulative federal loan debt at graduation. Does not include private loans or Parent PLUS loans borrowed on behalf of students.
Estimated Earnings: Actual earnings data is not available for this program (typically due to privacy thresholds when fewer than 30 graduates reported earnings). The estimate shown is based on the median of 34 similar programs in MA. Actual outcomes may vary.